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CitiBank is a multinational bank that has its branches in 19 countries across the globe. Although being a non-Indian bank it has a huge presence and customer base in India. The Bank has many international products that are tailored for the Indian market. CitiBank has a dedicated customer care service team to help customers across the country and provide information that they may need regarding the bank’s products and services.

Among its many diverse and popular products and services is the online banking facility offered by the bank. This online banking includes mobile banking as well as internet banking facilities. The most important feature of online banking is the facility to transfer funds from one account to another anywhere nationally and internationally as well as at any time. For online transfer of funds within India the account holder has to provide the details of the IFSC code of the transferee bank along with their own account’s IFSC code. For transfer of funds outside India, customers will have to provide SWIFT Code. You can find all the details of the IFSC code of CitiBank on this page.

CitiBank IFSC Code Details

The IFSC code of particular Citibank branches is a mandatory requirement for all online funds transfer through either mobile banking account or net banking account. Customers can get information about IFSC codes of Citibank by contacting the bank directly or through various other modes like cheque book, passbook, online banking account or a simple online search for the same.

IFSC code is the unique code that has been developed by the Reserve Bank of India for all the Indian banks and their respective branches within the country. IFSC code is made up of 11 digits that are in the pattern of alpha numeric. IFSC code is a mandatory requirement for all the funds transfers for any of the available online transfer modes.

CitiBank IFSC codes are allotted to all their branches in India. The breakup of the IFSC code of CitiBank is explained below.

  • The first four letters or characters of the IFSC code of CitiBank represent the Bank name like the standard format of any IFSC code.
  • These letters or characters in case of CitiBank are ‘CITI’
  • The next character in the IFSC Code or the fifth character is always ‘0’ (zero). It is standard for every IFSC code across all the banks and their branches
  • The final six characters in the IFSC Code are always in relation to the particular CitiBank Branch.

These IFSC Codes are different for each of the branches of CitiBank and have to be compulsorily provided for authenticating the funds transfer request.

IFSC code is used to not only identify the participating branch in the funds transfer but to also verify the details of the account and the branch that has initiated the transfer as well as the bank account and the branch that will receive the said funds transferred.

Therefore, without the mention of the IFSC Codes, customers cannot carry out or execute their funds transfer request through any of the available modes of transfer.

As important as it is to mention the IFSC code, customers have to also make sure that the IFSC code mentioned is correct and in relation to the specific branches involved in the funds transfer transaction at both ends. Without the mention of correct IFSC code, the funds transfer may be either held by the bank or can be credited to the wrong or incorrect bank account.

In the process of online funds transfer, funds earmarked for transfer are first debited from the transferor’s bank account and then after receiving authentication from the receiving bank account, funds are then credited to the transferee account. When the IFSC code is wrongly mentioned, there can be either of the following two outcomes.

  • The bank will hold the funds after debiting them from the transferor’s bank account and will reroute them back to the same account due to the mention of wrong IFSC Code.
  • The other outcome can be credit of funds to a wrong or incorrect bank account due to mention of wrong IFSC code.
  • In such a case, the transferor of the online funds has to first notify his/her bank immediately.
  • The bank will initiate a reversal of such funds transferred
  • This reversal process is quite prolonged and drawn out.

Hence, customers have to duly mention the IFSC Codes correctly in every course of funds transfer.

Common Modes of Online Funds Transfer in India

Funds transfer through the online modes is the most important feature or facility provided by CitiBank. Online banking can be done through any of the following banking modes

The available transfer modes through the above online banking mediums are explained below


It stands for National Electronic Funds Transfer. This facility earlier was available for limited time frame on all working days but can now be available 24x7. CitiBank charges nominal charges for such online transfer mode.


It stands for Real Time Gross Settlement. Funds are transferred on a real time basis under this type of funds transfer and the charges for the same are nominal.


Immediate Payment System is the full form of IMPS transfer mode. This service is available 24x7 to all the account holders. Customers can transfer funds at any time through this mode to the IMPS enabled banks. The charges for this type of online transfer mode are slightly higher than the other two modes.

Customers will first have to enable or activate their mobile banking or internet banking accounts to avail the online funds transfer facility or transfer funds electronically.


1. How can customers contact CitiBank?

CitiBank Customers can login to their online banking account and lodge any query or complaint that they may have with regards to any product of the bank or about the IFSC codes of any branch of the bank in India. The other way to contact the bank is through the website by clicking on the following link Home >> Contact Us >> Ask Citi / Write to us

2. What is the minimum limit to transfer funds through RTGS?

The minimum amount that can be transferred through RTGS is RS. 2,00,000.

3. Is IMPS service available 24x7?

Yes. IMPS service can be availed 24x7 by the customers to transfer funds to such banks that have this service enabled.

4. How can a person find IFSC codes through CreditMantri?

Customers can easily find IFSC codes through CreditMantri website by clicking on the following link Home >> Resources >> Bank IFSC Codes. After clicking on the above link, customers will be taken to a new page where they will be required to search the IFSC codes by providing the following search parameters. State, City, Bank Name, Branch Name. After providing the above search parameters, customers will have to click on ‘submit’. The next page will display the required information about the IFSC Code of the bank and the branch mentioned in the search.

5. What are the most common ways to search the IFSC code of a specific CitiBank branch?

The most common online search modes for IFSC code of CitiBank branch are mentioned below, Mobile Banking, Internet Banking, CreditMantri, RBI website, Online search through any search engine

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